Secured Personal Loan

Our personal loans are a fast and convenient way to get the things you want or to pay for the things you need. Enjoy flexibility, low interest rates and many other great features.

A big life change in a small package

Our Personal Loan option offers a fixed rate for the life of your loan, flexible repayments, competitive interest rates and a choice of loan security options. You can use our personal loan for almost any purpose; from buying a new car to refinancing an existing loan and debt consolidation.

We’re here to help

As a member owned organisation, our first priority is to help you. We continually focus on providing high levels of personalised service and value for money products – such as our Personal Loans– there to help you make those life-changing purchases.

Yes, we can conditionally approve a Personal Loan for you before you buy. You just need to submit an application form, letting us know how much you want to borrow and we’ll review your application. We offer 60 day pre-approval to give you time to find the car that is right for you.

How long will it take to pay back my loan?

What will my repayments be?

Calculate your weekly, fortnightly or monthly Personal Loan Repayments by entering a loan amount, loan purpose, term and repayment frequency. This calculator will also show you the total cost of the loan and help you determine your borrowing power by entering your income, current expenses and loan information.

Looking to buy a new car, understand how to finance a car purchase, or just starting the research? People's Choice can help you through the whole process!

1 More than 50% of the base loan amount (total loan amount less fees) must be to purchase or refinance an external debt for a vehicle aged 3 years or less, which must secure loan.2 Fixed for 5 years then reverts to a variable rate of 11.55% p.a. for remaining term.3 Rate Lock fee is 0.15% of the total loan amount and is valid for 60 days from the date of application.4 Minimum redraw amount is $250 and redraws are free if performed online or at a cost of $40 for an in-branch Staff Assisted Redraw. Redraws are only available if sufficient extra repayments have been made against the loan account.~ Special personal loan offer only available to 30/04/15.

Terms, conditions, fees, charges and lending criteria apply and are available upon application.* Comparison rates are based on a loan of $30,000 with monthly repayments over a term of 5 years. ^ Comparison rates are based on a loan of $10,000 with monthly repayments over a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.The information above is general advice only and does not take into consideration your personal objectives, financial situation or needs (“your personal circumstances”). Please consider the relevant Disclosure Documents and your personal circumstances before making any decision to purchase the products. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.